
Working with Claims Pro Public Adjusters can be a game-changer for homeowners and businesses dealing with insurance claims. They have the expertise to navigate complex claims processes and ensure policyholders receive fair compensation.
Claims Pro Public Adjusters have extensive knowledge of insurance policies and procedures, allowing them to identify potential issues and advocate on behalf of their clients. This expertise can lead to faster and more accurate claims settlements.
By hiring a Claims Pro Public Adjuster, policyholders can save time and reduce stress associated with handling insurance claims. They can focus on rebuilding and recovering from losses, knowing their claims are being handled professionally.
Claims Pro Public Adjusters are independent and unbiased, working solely for their clients' interests. This means they can provide objective guidance and support throughout the claims process.
What to Know About Adjusters
Public adjusters are licensed professionals who represent policyholders in the insurance claims process. They are hired by homeowners to navigate the complex world of insurance claims.

There are three classes of insurance adjusters: staff adjusters, independent adjusters, and public adjusters. Public adjusters are the only type that can legally represent the rights of an insured during an insurance claim process.
Public adjusters are paid based on a percentage of the total paid settlement. This fee is justified by their success in negotiating the best possible settlement with the insurance company.
To become a public adjuster, one must take classes and pass a test on handling claims under a first-party property policy. Most states require public adjusters to be licensed and bonded to represent policyholders in their state.
Public adjusters have a responsibility to evaluate existing policies, determine what coverage may be applicable to an insurance claim, and negotiate the best possible settlement with the insurance company.
Here are the key responsibilities of a public adjuster:
- Evaluate your existing policy to determine what coverage may be applicable to an insurance claim;
- Make recommendations to improve on your existing policy to ensure you have the best coverage for your situation;
- Determine the appropriate values for settling all covered damages;
- Negotiate the best possible settlement with the insurance company on behalf of an insured;
- Conduct a policy consultation and inspection of the policyholder's property to identify any damage that the policyholder may not be aware of at the time.
Why Hire an Adjuster?
Hiring a public adjuster can be a smart move when dealing with property damage claims. A public adjuster is licensed to represent your interests, not the insurance company's.

According to Ronald Reitz, former president of the California Association of Public Insurance Adjusters, a public adjuster reviews all coverages that may apply to the loss to calculate and settle the claim on your behalf.
Public adjusters can handle claims of any dollar amount and type of damage, from water and weather damage to theft and vandalism. They work on both residential and business property claims.
You can hire a public adjuster at any point during the claim process, but it's often better to bring them in early on. This can help ensure a fair claim settlement.
Here are some key benefits of hiring a public adjuster:
Overall, hiring a public adjuster can be a wise decision, especially for substantial damage claims.
Finding a Good Adjuster
Finding a good adjuster is crucial to getting the best possible outcome for your claim. Look for an adjuster who has a website, as an adjuster without one may not be dependable or reputable.

Having a website is just the first step, you also want to find an adjuster who is local. A local adjuster knows the local housing regulations and rebuilding costs, which can help cut through the red tape and get your claim settled sooner.
Being a member of the National Association of Public Insurance Adjusters (NAPIA) is also a good indicator of an adjuster's qualifications and expertise. You can check if an adjuster is a member through NAPIA's referral service.
When it comes to fees, you want to find an adjuster who charges reasonable fees. On average, public adjusters charge between 5% to 12% of the claim payout.
Here are some key things to look for in a good adjuster:
- A website
- Local knowledge
- NAPIA membership
- Reasonable fees (5-12% of claim payout)
- No pressure to make a quick decision
Don't be afraid to take your time and do your research. A good adjuster will work with you to ensure you get the best possible outcome for your claim.
Property Damage Claims
As a public adjuster, I've seen firsthand how complex property damage claims can be, especially for government and non-profit organizations. Elected officials or boards who involve public adjusters early in the adjusting process often save time and get settled fairly.

Public adjusters like ClaimsPro can help navigate the claims process and ensure that all necessary information is provided to the insurance company. This can prevent underpayments and delays in settling the claim.
Government and non-profit properties, such as schools, city halls, and hospitals, often require professional public adjusting assistance due to the size and complexity of the buildings. Our public adjusters have the resources and expertise to help settle claims fairly and quickly.
ClaimsPro offers a pre-loss Risk-Free service to ensure that their public adjusting firm is available and ready to go before a loss occurs. This can be a valuable resource for state and government agencies.
In emergency situations, ClaimsPro's 24/7 Emergency Claims Services (ECS) provides access to claims services at any time. This can be a lifesaver for those dealing with urgent claims.
ClaimsPro's public adjusters have an unmatched reputation in the industry, thanks to their knowledge of the insurance policy, claims process, and field experience. They can help obtain the maximum claims settlements in minimum time while avoiding unnecessary litigation or appraisals.
Adjuster Licenses and Services

Public adjusters, like those at ClaimsPro Services, are licensed professionals who work on behalf of property owners to assist with claims.
There are three main types of insurance adjusters: company adjusters, independent adjusters, and public adjusters. All three types are regulated by the state department of insurance and must follow the state's guidelines.
Public adjusters don't work for insurance companies, but rather for members of the public who hire them to assist with a claim. They can only work on behalf of property owners, not insurance companies.
ClaimsPro Services offers a network of adjusters who are specialized in different claims areas, including public adjusters. These adjusters use iAdjust to expedite the claims process and reduce the time between filing and resolution.
Here are some public adjuster licenses held by ClaimsPro Services:
Red Flags and Alternatives
Be wary of public adjusters who charge upfront fees, as this can be a sign of a scam.
Public adjusters typically work on a contingency fee basis, meaning they only get paid if they recover money for you.

Some public adjusters may try to convince you to sign over your entire settlement to them, which is a major red flag.
A reputable public adjuster will work with you to ensure you receive the maximum amount of your settlement.
Be cautious if a public adjuster is pushy or aggressive in their sales pitch, as this can be a sign of a high-pressure sales tactic.
Public adjusters should be licensed and bonded, so make sure to check their credentials before hiring them.
A legitimate public adjuster will provide you with a clear breakdown of their fees and services before you sign a contract.
Frequently Asked Questions
How much do public adjusters make per claim?
Public adjusters typically earn a fee ranging from 10% to 20% of the claim payout, depending on the state and type of claim. This fee structure incentivizes public adjusters to maximize your settlement.
Sources
- https://www.insurance.com/home-and-renters-insurance/home-insurance-basics/hire-a-public-insurance-adjuster-.html
- https://www.proadjuster.com/services/public-insurance-claims-adjuster/
- https://www.insuranceclaimrecoverysupport.com/government-nonprofit/
- https://www.linkedin.com/posts/claimspro-lp_claimspro-largeloss-claimsadjuster-activity-7219687399692341249-RciL
- https://mitchinsurance.com/adjusting-companies/claimspro/
Featured Images: pexels.com